How is the AVS pension computed for a cross-border worker with 30 years of Swiss contributions?
Answered with official sources — AVS, AI and 2nd pillar LPP
Updated 11 August 2026
Answer
The LAVS formula uses the pro-rata partial pension (LAVS art. 38) source: Fedlex LAVS RS 831.10. With 30 years out of 44 theoretical (1964-2008 or equivalent), the beneficiary gets 30/44 = 68.2% of the full pension for the average income. In 2025 max full pension is CHF 30,240 and min CHF 15,120. Example: average salary CHF 75,000 gives full AVS about CHF 26,800; at 30/44 it is CHF 18,300/year. Add the INPS pro-rata pension on Italian periods. The individual ESTRATTO CONTO (Ecinfo) is available on ahv-iv.ch showing years and income. Gaps under 1 year are filled by «youth years» (16-20).
Official sources
Other questions on this topic
- Which AVS/AI/APG contributions does a cross-border worker pay in 2026?
The cross-border worker pays 1st-pillar contributions under LAVS (RS 831.10): 8.7% AVS + 1.4% AI + 0.5% APG = 10.6% total split 50/50 employee/employer. Add 2.2% unemployment (AD/LACI) up to CHF 148,200/year (2025, annually indexed) and 1% on the excess (solidarity).
- Can I pay voluntary AVS contributions from Italy?
Since 2001 voluntary AVS is restricted to Swiss and EU/EFTA citizens residing OUTSIDE EU/EFTA (LAVS art. 2). A cross-border worker residing in Italy CANNOT pay voluntary AVS; during inactive periods (unemployment, leave) they must pay in…
- What is the LPP coordination deduction and how does it affect salary?
The «coordination deduction» is the salary portion already covered by AVS, excluded from LPP computation (LPP art. 8). In 2025 it is CHF 26,460, i.e. 7/8 of the maximum AVS pension (CHF 30,240).
- At what age can I claim AVS pension in 2026?
The AVS21 reform approved on 25 September 2022 (in force 1 January 2024) introduced the «reference age» (65 for men and women) with transitional phases for women born 1961-1969. In 2026 the reference age for women is 64 years and 9 months.
- How do I check AVS contribution gaps and fill them?
Request the individual contribution statement (CK/CI) from the Swiss Compensation Office (Geneva) via form 318.180, or online on ahv-iv.ch with AVS13. The statement shows years, months and amounts since 1948.
- Is AVS survivor pension available to the Italian spouse of a cross-border worker?
Yes. LAVS art. 23 grants a widow/widower pension to the surviving spouse if the deceased had at least 1 year of AVS contributions. The pension is 80% of the hypothetical retirement pension. Widows without children need age 45+ and 5 years of marriage.
- Can a cross-border worker open a pillar 3a account?
Yes, provided the worker pays mandatory AVS contributions. Cross-border workers contribute up to CHF 7,258 (2025) in bank or insurance 3a, tax-deductible in Switzerland via the NOV procedure (LHID art. 89): tax saving 25-30% of the amount.
- Can I cash out my 2nd pillar if I leave Switzerland?
Only partially. LFLP art. 25f (RS 831.42) states that the «mandatory» part of the 2nd pillar (LPP obligatoire) cannot be cashed out if residence is transferred to an EU/EFTA state with pension insurance obligation.
The information on this page is for guidance only and does not replace personal advice from an accountant, lawyer or union office. Tax, social-security and permit rules change frequently: always verify with the official sources linked in each answer.